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Commercial Truck Insurance

Protect your business and commercial vehicles


    Commercial Truck insurance

    What is Commercial Truck Insurance?

    Commercial truck insurance is a type of insurance that is specifically designed for businesses that operate commercial trucks, such as delivery trucks, semi-trucks, and other types of heavy vehicles. This type of insurance is essential for businesses that rely on these vehicles to transport goods and materials, as it helps protect against financial loss in the event of an accident or other mishap.

    There are several types of companies that need commercial truck insurance, including:

    1. Delivery companies: Businesses that rely on delivery trucks to transport goods and packages will need commercial truck insurance to protect against the potential for accidents and damage to the vehicles. This includes companies that do home deliveries, food delivery, and other types of deliveries.
    2. Construction companies: Businesses that use commercial trucks to transport equipment and materials to construction sites will need commercial truck insurance to protect against financial loss in the event of an accident or damage to the vehicles. This includes companies that specialize in construction, demolition, and excavations.
    3. Manufacturing companies: Businesses that use commercial trucks to transport raw materials and finished products will need commercial truck insurance to protect against financial loss in the event of an accident or damage to the vehicles. This includes companies that manufacture goods, assemble products, or process materials.
    4. Wholesale and retail companies: Businesses that use commercial trucks to transport goods to and from warehouses and retail locations will need commercial truck insurance to protect against financial loss in the event of an accident or damage to the vehicles. This includes companies that sell goods to other businesses or the general public.
    5. Freight and logistics companies: Businesses that transport freight and other goods on behalf of other companies will need commercial truck insurance to protect against financial loss in the event of an accident or damage to the vehicles. This includes companies that provide transportation and logistics services for other businesses. 
    6. Agricultural companies: Businesses that use commercial trucks to transport agricultural products such as crops, livestock and other farming related materials will need commercial truck insurance to protect against financial loss in the event of an accident or damage to the vehicles.

    In summary, any company that operates commercial trucks need commercial truck insurance to protect against financial loss in the event of an accident or damage to the vehicles. Not having commercial truck insurance can lead to costly lawsuits and financial ruin for the company. It is important to carefully review the coverage options and select a policy that meets the specific needs of your business.

    Common Coverages Included in Commercial Truck Insurance

    • Primary Auto Liability – covers bodily injury and/or property damage caused by the businesses commercial truck. 
    • Auto Physical Damage – covers physical damages to the businesses commercial truck and/or trailers being pulled by the power unit. You can choose to cover owned or non-owned trailers on this type of policy. 
    • Motor Truck Cargo Insurance – covers damages to cargo being hauled. 
    • Trucking General Liability – covers bodily injury and/or property damages that are caused by your companies products, services or operations.
    • Non Trucking Liability – covers bodily injury and/or property damages caused by a commercial vehicle while not operated in the course of business or in transit.
    • Excess Liability and Umbrella – covers liabilities that exceed the underlying policies limits. You can purchase excess for multiple coverages if needed.  
    • Workers Compensation – this covers injuries to employees injured on the job. 

    Type of Operations We Can Insure

    Construction & Demolition Debris Haulers

    New Company / New Ventures

    Auto Haulers

    Box Truck Operations

    Expedited Delivery Services

    Hot Shot Trucking

    Waste Haulers (Commercial & Residential)

    Local & Long Haul Trucking

    How To Get Cheaper Truck Insurance Rates

    Commercial Truck Insurance can be costly, but there are ways to get cheaper rates. Here are a few tips to help you save money on your commercial truck insurance:

    1. Shop around: Don’t just settle for the first insurance quote you receive. Get quotes from multiple insurers to compare rates and coverage options.
    2. Maintain a good driving record: Your driving record is one of the biggest factors that insurance companies consider when determining rates. By maintaining a good driving record, you can qualify for lower rates.
    3. Look into usage-based insurance: Some insurance companies now offer usage-based insurance, which tracks your driving habits and adjusts your rates accordingly. This can be a great option for those who don’t drive often or who drive in a safe manner.
    4. Conduct regular safety checkups and maintenance on your vehicles: Insurance companies view well-maintained and safe trucks as less likely to be involved in accidents, they offer lower rates to those who can prove it.

    By following these tips, you can get cheaper commercial truck insurance rates and ensure that you have the coverage you need to protect your business and your livelihood.

    Common Commercial Truck Types

    • Semi Truck
    • Dump Truck
    • Heavy Truck
    • Pickup Truck
    • Tow Truck
    • Box Truck or Straight Truck
    • Garbage Truck
    • Flatbed Truck
    • Stakebed Truck
    • And Many Others

    California Locations Near Me

    Rancho Cucamonga Office

    Phone: (909) 996-1153

    Address: 8137 Malachite Ave Suite G, Rancho Cucamonga, CA 91730

    Fontana Office

    Phone: (909) 275-7245

    Address: 16055 Foothill Blvd, Fontana CA 92335 ( Inside Superior Market )

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